Carnival Rewards Mastercard
BarclaysNo annual feeWorld MastercardNo foreign transaction feeIssuer's page
A good time to apply if the card fits: the offer is at the top of its own record.
Already have it? Keep it.
Welcome bonus
50,000points
after $1,000 in purchases in the first 3 months
At its high since February 2026.
6/24 Rule, 24 Month Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus50,000 points at 1¢ | $500 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | $0 |
| Meeting the $1,000 minimumearns 1% here vs 2% on Double Cash | −$10 |
| First year | $490 |
| Each year after | +$120 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Grocery storesexcluding Target and Walmart | 2% |
| 2X | Restaurants | 2% |
| 3X | Carnival purchases | 3% |
| 1X | Everything else | 1% |
Personal card · Earns Carnival Rewards Points
Benefits
Protections (5)
- Travel Accident Insurance, up to $250,000, Up to $250,000 coverage for death/dismemberment on common carrier when fare paid with card
- Trip Cancellation/Interruption, up to $5,000, Up to $5,000 per trip or $10,000 per 12-month period for non-refundable trip costs
- Baggage Delay Insurance, up to $300, $100 per day for up to 3 days for essential purchases when baggage is delayed 6+ hours
- Auto Rental Collision Damage Waiver (secondary), Secondary coverage for domestic rentals, primary for international rentals; covers theft and collision for rentals up to 31 days
- Cell Phone Protection, up to $600, Up to $600 per claim, $1,000 per card per 12-month period, $50 deductible, max 2 claims per year; must pay monthly cell phone bill with card
Other Perks
- Carnival Rewards Points redeem for anything Carnival (drinks and packages, Wi-Fi, shore excursions and more) and pay for cruise purchases; redemptions start at 1 point
- 0% promotional APR for 6 months on Carnival cruise bookings
- 0% intro APR for 15 months on balance transfers (5% fee applies)
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Carnival RewardsOct 8, 2026
- changed from Carnival World Mastercard to Carnival Rewards MastercardOct 6, 2026
- changed from Carnival Card; Carnival Mastercard to Carnival Card; Carnival Mastercard; Carnival World Mastercard; Carnival Rewards CardOct 6, 2026
- changed from Carnival World Mastercard to Carnival Rewards MastercardOct 6, 2026
- changed from FunPoints to Carnival Rewards PointsOct 6, 2026
- changed from 30K FunPoints after spending $1K within the first 90 days to 50K Rewards Points after spending $1K within the first 90 days of account opening.Aug 31, 2026
- changed from null to 1000Aug 13, 2026
- changed from null to 90Aug 13, 2026